1. Information We Collect

We collect the following types of information:

2. How We Use Your Information

We use the information we collect for the following purposes:

• Service Delivery: To process money transfers, verify identity, manage accounts, and comply with regulatory requirements.
• Customer Support: To respond to your inquiries, address issues, and provide technical assistance.
• Marketing and Promotions: To send promotional communications (with the ability to opt-out at any time).
• Security and Fraud Prevention: To monitor, detect, and prevent fraud, unauthorised activities, and security breaches.
• Analytics and Service Improvement: To analyse trends, measure performance, and develop new features to enhance your experience.

3. Data Sharing and Disclosure

We may share your information in the following circumstances:

4. Data Security

We implement appropriate technical and organisational measures to safeguard your data, including:

• Encryption of sensitive data,
• Access control mechanisms,
• Secure data storage,
• Regular security audits and assessments.

However, no method of transmission over the Internet or electronic storage is completely secure. You use our Services at your own risk.

5. International Data Transfers

Your data may be processed in countries outside of the United Kingdom. We ensure appropriate safeguards, such as standard contractual clauses or equivalent legal mechanisms, are in place to protect your information.

6. Your Rights

Subject to applicable law, you have the following rights regarding your personal information:

• Access: Request access to your personal data.
• Rectification: Request correction of inaccurate or incomplete data.
• Erasure: Request deletion of your personal data (“right to be forgotten”), subject to legal and regulatory retention requirements.
• Restriction: Request restriction of processing in certain circumstances.
• Data Portability: Request transfer of your data to another service provider.
• Objection: Object to our processing of your data for marketing purposes.
• Withdraw Consent: Withdraw any consent you have previously given to us for processing your information.

To exercise your rights, please contact our Data Protection Officer (DPO) using the contact details below.

7. Retention of Your Data

We retain your information for as long as necessary:

• To provide the Services,
• To comply with our legal obligations,
• To resolve disputes and enforce agreements.

When no longer needed, your data will be securely deleted or anonymised.

8. Marketing Communications

If you opt-in to receive marketing communications, we may contact you about updates, offers, or promotions. You can opt-out at any time by:

• Clicking the “unsubscribe” link in emails,
• Adjusting your app settings,
• Contacting us directly.

9. Children's Privacy

SwyftSend services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected such information, please contact us so we can delete it.

10. Changes to this Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in legal, technical, or business developments. We will notify you of any material changes by posting an updated version in the app or by email. Continued use of SwyftSend after changes become effective constitutes your acceptance of the updated policy.

11. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy, or if you wish to exercise your rights, please contact our Data Protection Officer (DPO):